Insurance Services
 

Sweet Home
DriveSafe
HappyTrip
MediGuard

 

For a pleasant journey
You need HappyTrip by your side

Scope of Coverage Maximum Benefit (MOP)
Plan 1 Plan 2
Personal Accident 600,000 1,200,000
- Death    
- Permanent disablement    
Maximum benefit of MOP100,000
for insured aged under 16 or over 65
Medical Expenses* 500,000 1,000,000
- Overseas hospitalization, surgery, ambulance and paramedic services, diagnostic tests, consultation and prescribed medicines    
- Follow-up medical expenses within 60 days of returning to Macau (including bonesetter expenses)    
Maximum benefit of MOP100,000
for insured aged under 2 or over 65
Hospital Cash Allowance 5,000 8,000
Cancellation of Journey 30,000 50,000
Curtailment of Journey 30,000 50,000
Loss of Baggage & Personal Effect* 15,000 30,000
Loss of Personal Money & Travel Documents* 3,000 6,000
Loss of Home Contents 10,000 20,000
Travel Delay 3,000 5,000
Baggage Delay* 2,000 3,000
Personal Liability# 500,000 1,000,000
24-Hour Emergency Services
- 24-Hour emergency hotline    
- Medical evacuation    
- Hospital deposit guarantee    
- Compassionate visit    
- Repatriation after treatment    
- Repatriation of mortal remains/ashes    
- Return of unattended children    
- Travel information, support & referral    
Subject to excess per claim of: * MOP300 and # MOP 1,000.

Happy Family Plans
Couple Plan (Insured couple): Basic Premium X 1.9
Parent Plan (Insured & children under 16): Basic Premium X 1.6
Family Plan (Insured couple & children under 16): Basic Premium X 2.5

Amateur Special Sports Cover
e.g. winter sports, water skiing, diving, ballooning, bungee-jumping, etc.:
Respective Premium X 2.0

Group Discounts (not applicable in conjunction with other discounts)
10 policies or more: 15% off
20 policies or more: 20% off

Maximum period of insurance: 90 consecutive days
Automatic extension in case of travel delay: 10 days (no extra charge)
Automatic acceptance age: 6 months - 75 years old (Applicants above 75 years old are subject to underwriting acceptance)

Geographical Zones:
Asia Bangladesh, Bhutan, Brunei, Cambodia, China, Guam, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor and Vietnam
Worldwide All countries in the world

Premium table (MOP)

  Asia Worldwide
Day Plan 1 Plan 2 Plan 1 Plan 2
1 75 113 120 162
2 102 154 163 220
3 123 186 197 266
4 141 213 226 305
5 156 236 250 337
6 168 254 269 363
7 179 271 287 387
8 189 286 303 409
9 198 300 317 428
10 205 311 328 443
11 211 320 338 457
12 216 328 346 468
13 220 334 352 476
14 224 340 358 484
15 228 346 364 492
16 232 352 370 500
17 236 358 376 508
18 240 364 382 516
19 244 370 388 524
20 248 376 394 532
21 252 382 400 540
22 256 388 406 548
23 260 394 412 556
24 264 400 418 564
25 268 406 424 572
26 272 412 430 580
27 276 418 436 588
28 280 424 442 596
29 284 430 448 604
30 288 436 454 612
31 292 442 460 620
Each extra day 4 6 6 8

 

Major Exclusions: (Some may be covered subject to underwriting acceptance and extra premium)
1. Pre-existing, congenital or hereditary conditions;
2. Suicide, attempted suicide or self-inflicted injuries;
3. Willful, malicious, criminal or unlawful acts;
4. Psychiatric, psychological disorder or insanity;
5. Pregnancy, abortion, miscarriage or childbirth;
6. HIV related illness (including AIDS and/or any mutant derivative or variation);
7. Involvement in dangerous assignments, projects or work;
8. Involvement in professional or dangerous sports, competitions or air travel;
9. Act of terrorism, war, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection or civil commotion;
10. Nuclear reactions, radiations or contaminations;
11. Chemical or biological substances not used for peaceful means;
12. Non-Macau SAR residents.

For detailed terms and conditions, please refer to the policy.

 
30-07-2010 13:24,,,,,
CurrencyMOP
Buy Rate
HKD
Buy Rate
MOP
Sell Rate
HKD
Sell Rate
 GBP 12.4909 12.1271 12.5482 12.1650
 JPY 9.2474 8.9780 9.2774 8.9941
 CAD 7.7150 7.4903 7.7420 7.5055
 AUD 7.1816 6.9724 7.2186 6.9982
 NZD 5.7632 5.5953 5.7943 5.6173
 CHF 7.6837 7.4599 7.7294 7.4933
 RMB 85.35 87.90 83.80 86.50
 HKD 1.0300 - 1.0315 -


30/07/2010 4:20 PM,,,,,,,,,
 Index/Stock Last Change
 DJ INDU AVERAGE  10467.16 -0.29
 ALL ORDINARIES  4507.44 -0.63
 NIKKEI 225 INDEX 9537.30 -1.64
 HANG SENG INDEX  21029.81 -0.30
 HANG SENG C E I  11905.00 -0.31
 HANG SENG C C I  4020.02 0.16
 TAIWAN WEIGHTED  7760.63 -0.49
 SSE A SHARE IDX  2764.36 -0.40
 STRAITS TIME IDX 2987.7 -0.33
 CHEUNG KONG  93.85 -0.11
 HSBC HOLDINGS  79.75 -0.99
 PCCW  2.39 1.70
 HANG SENG BANK  107.60 0.47
 HUTCHISON  51.30 0.10
 SHK PPT  114.10 -0.09
 MTR CORPORATION  27.30 -0.36
 HKEX  127.70 -0.08
 CHINA UNICOM  10.50 2.74
 CHINA MOBILE  78.55 -0.06
 BOC HONG KONG  19.94 -1.29

30Jul10 HK stocks end up 4.5 pct in July, best since Sept 09
Hong Kong stocks eased 0.3 percent on Friday, ending an eight-session rising streak, as investors locked in gains ahead of corporate earnings next week, but the index had its best monthly performance in the last 10 months. The key Hang Seng Index ended 64.01 points lower at 21,029.81 after the index became trapped within a narrow 150-point range through the day. The index ended the month up 4.48 percent, its best monthly gain in percentage terms since September 2009.



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